RAC Online Car Insurance
RAC Online is self service car insurance that puts you firmly in the driving seat. Give the call centre a miss and instead access and make changes to your policy 24/7, online. You’ve got the freedom to manage your account as you like. Plus get support from our virtual assistant at anytime, or our live chat function is available Mon-Fri 8am-8pm, Saturday 8am-6pm and Sunday 10am-4pm.
Because call centre support is limited, we’ve reduced our online admin fee. And if you need to call us to make a claim, you’ll get the same exceptional service.
Top rated cover
Our Plus and Premier products are 5 Star Defaqto rated.
Uninsured driver cover
Keep your NCD even if you’re hit by an uninsured driver, Plus and Premier policies only.
Complete peace of mind®
We pay out on 99% of claims, giving you confidence when you need it most.*
*Based on claims made for RAC Car Insurance and Online Car Insurance, excluding add-ons, between August 2024 – August 2025.
Get RAC Breakdown Cover for less
RAC Online Car Insurance customers pay less for RAC Breakdown Cover compared to standard RAC Car Insurance and RAC Black Box Car Insurance customers, when purchasing as an add-on.
What makes RAC Online different?
The insurance cover offered by RAC Online is the same as our standard car insurance levels. The difference is that call centre support is limited. And that means that we can offer you lower admin fees when making changes online.
What does self service insurance mean?
Rather than making changes to your policy by phoning us, with self service customers can do it themselves, online. Online support is also available via live chat 7-days a week.
What changes can I make online?
Log in to My Account anytime of the day to check or manage your insurance cover.
✓ Make a change to your vehicle or personal details
✓ Renew your policy
✓ Make a payment
✓ View or download your policy documents
Visit our RAC Online FAQs to find out more about our digital-only product.
Rated ‘Excellent’ on Trustpilot
Why choose RAC Online?
Online self-service
Manage everything yourself, digitally, with live chat for help.
Paperless
Download and view your documents digitally through My Account.
Our cheapest product^
By cutting out the call centre, we can reduce our admin fee.
Try our new Online Premier cover
Our new RAC Online Premier policy includes RAC Roadside and Recovery Cover and RAC Motor Legal Protection cover as standard.
Compare RAC Insurance policies
Compare the different cover levels and features available with RAC Online Car Insurance.
Standard
Plus
Premier
And we don’t just offer insurance for your car – upgrade your cover with our range of optional extras including RAC Breakdown Cover, Motor Legal Protection, Keycare and Guaranteed Replacement Car.
Page reviewed by: David Buxton